Call reports 2008
MAIN STREET BANK — 2008
What MAIN STREET BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 324,934,000 | 348,247,000 | 347,743,000 | 349,189,000 |
| Total loans | 210,612,000 | 217,103,000 | 223,462,000 | 228,582,000 |
| Allowance for loan losses | 1,098,000 | 1,137,000 | 1,170,000 | 1,300,000 |
| Securities available for sale | 71,023,000 | 94,137,000 | 94,584,000 | 84,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 1,015,000 | 0 |
| Total deposits | 285,477,000 | 294,265,000 | 295,594,000 | 298,492,000 |
| Interest-bearing deposits | 268,055,000 | 274,570,000 | 275,934,000 | 274,511,000 |
| Noninterest-bearing deposits | 17,422,000 | 19,695,000 | 19,660,000 | 23,981,000 |
| Equity capital | 37,312,000 | 36,843,000 | 35,380,000 | 34,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,996,000 | 8,163,000 | 12,576,000 | 16,986,000 |
| Interest expense | 2,077,000 | 4,059,000 | 5,980,000 | 7,873,000 |
| Net interest income | 1,919,000 | 4,104,000 | 6,596,000 | 9,113,000 |
| Noninterest income | 300,000 | 556,000 | 967,000 | 1,534,000 |
| Noninterest expense | 1,995,000 | 3,875,000 | 5,916,000 | 7,984,000 |
| Provision for loan losses | 30,000 | 85,000 | 115,000 | 245,000 |
| Pretax income | 208,000 | 854,000 | 1,603,000 | 2,234,000 |
| Income tax | 45,000 | 262,000 | 528,000 | 742,000 |
| Net income | 163,000 | 592,000 | 1,075,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,523,000 | 36,829,000 | 35,573,000 | 35,208,000 |
| Total capital | 37,621,000 | 37,966,000 | 36,743,000 | 36,508,000 |
| Risk-weighted assets | 200,885,000 | 218,278,000 | 223,534,000 | 234,743,000 |
Machine access — free, no API key
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